Budgeting

To manage your money successfully you need to know how much you have and what you're spending it on. To do this you need to create a budget so that you know how much money you receive (income) and how much you spend (expenses). The object is to keep your expenses at or below your income. Set yourself financial goals and make a plan! Check out this tool to learn how to create a budget.

There are many agencies that specialise in helping people manage their money:

Sorted is New Zealand's free independent money guide. It's full of calculators and information to help you manage your personal finances throughout life.